IDFC FIRST Digital RuPay vs YES BANK POP-CLUB Credit Card Compared
Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.
| Feature |  IDFC FIRST Digital RuPay Credit CardIDFC First Bank4 recent changes → |  YES BANK POP-CLUB Credit CardPOP CLUB, issued by Yes Bank4 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 0.13% on most spends; 0.38% only at partner merchants | 0.2% base, up to 1% on online shopping | |
| UPI payments (scan and pay) | 0.13% | 1% | |
| Online shopping | 0.13%; 0.38% only at UPI transactions above ₹2,000 | 1% | |
| Dining and food delivery | 0.13% | 0.2% | |
| Groceries | 0.13% | 0.2% | |
| Travel: flights, hotels, trains | 0.13% | 0.2% | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and recharges | 0.13% | Earns nothing | |
| Rent | 0.13% | Earns nothing | |
| Insurance premiums | 0.13% | Earns nothing | |
| School and college fees | 0.13% | Earns nothing | |
| Wallet top-ups | 0.13% | Earns nothing | |
| Taxes and government payments | Not stated | Earns nothing | |
| Spend abroad or in a foreign currency | 0.13% | 0.2% | |
| Everything else | 0.13% | 0.2% | |
| Card identity | |||
| Card typesame | Shopping | Shopping | |
| Networksame | RuPay | RuPay | |
| Card tiersame | Entry | Entry | |
| Fees | |||
| Joining fee | ₹199 + GST | Free | |
| Annual fee | ₹199 + GST | ₹399 + GST | |
| First year free | No | Yes | |
| Fee waived at | - | ₹1,50,000 | |
| Welcome benefit | - | Earn 500 POPcoins on activating the POP CLUB Credit Card | |
| Eligibility | |||
| Min age | - | 21 years | |
| Max age | - | 60 years | |
| Employment typesame | BOTH | BOTH | |
| Min monthly salary | - | ₹25,000 | |
| Rewards | |||
| Reward typesame | Reward points | Reward points | |
| Point valuesame | ₹0 | ₹0 | |
| Fuel surcharge | |||
| Fuel waiver cap | - | ₹100 | |
| Forex and international | |||
| Forex markup | None | 3.5% | |
| UPI rewards | |||
| Works on UPIsame | Yes | Yes | |
| Interest and charges | |||
| Interest rate (monthly) | - | 3.99% | |
| Interest rate (annual) | - | 47.88% | |
| Redemption | |||
| Redemption fee | ₹99 | - | |
| Page content | |||
| Eligibility | - | Age: 21 to 60 years Min. income: ₹25,000/mo | |
| Documents needed | Existing IDFC FIRST Bank credit card PAN card Aadhaar / valid address proof | PAN card Aadhaar / valid address proof Income proof, salary slips (salaried) or ITR (self-employed) | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹312
- Fee a year
- - ₹235
- You keep
- ₹77
- Rewards a year
- ₹960
- Fee a year
- ₹0
- You keep
- ₹960
At this spend, YES BANK POP-CLUB Credit Card comes out ₹883 a year ahead of IDFC FIRST Digital RuPay Credit Card. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.
Best For
- Online shopping only at UPI transactions above ₹2,000: 0.38% back
- Spending abroad: 0% markup, most cards add 3.5%
- Young online shoppers
- UPI users wanting a low-cost card
- First-time card users
Watch-Outs
- Skip it if you spend less than ₹15,000 a month: below that the ₹235 fee costs more than the rewards
- Skip it if most of your spending is fuel: those earn nothing on this card
- Skip it if you spend a lot on government payments: the card's terms do not state a rate there, so we count nothing
- Skip it if you rarely spend on UPI transactions above ₹2,000: the 0.38% rate applies only there, everything else earns 0.13%
- Very low earn on offline spends
- Monthly cap on online rewards
- 3.5% forex fee
Card data sourced via CardAdvisor.in (IDFC FIRST Digital RuPay Credit Card, YES BANK POP-CLUB Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Questions People Ask
Which has the lower annual fee, IDFC FIRST Digital RuPay Credit Card or YES BANK POP-CLUB Credit Card?
IDFC FIRST Digital RuPay Credit Card. IDFC FIRST Digital RuPay Credit Card: ₹199; YES BANK POP-CLUB Credit Card: ₹399. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
IDFC FIRST Digital RuPay Credit Card has the lowest forex markup. IDFC FIRST Digital RuPay Credit Card: 0%; YES BANK POP-CLUB Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.
Which earns more on everyday spending?
On spends outside any bonus category: YES BANK POP-CLUB Credit Card 0.2%, IDFC FIRST Digital RuPay Credit Card 0.13%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.
Can I hold more than one of these cards?
Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.
Work Out the Numbers
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Guides in Plain Words
Short reads that explain how it works before you decide.
- GuidesBest Credit Cards Under ₹1,000 a Year in India (2026)Credit cards with an annual fee of ₹1,000 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
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